Your money comes in without you chasing everyone by phone
The oldest overdue invoice shows up on your overview under “Money outstanding”, with a button for the next level. You decide once how reminders work — after that you just press the button or let Zirko send them.
- Friendly reminder
- Reminder 1
- Reminder 2
Send reminder …
How it looks
Level by level, the way you chase
After the friendly reminder come up to five reminder levels, each with its own deadline, fee, interest rate and template text.
In detail — Level by level, the way you chase
The dialog shows the outstanding amount, reminder fee, late payment interest and the amount to be paid; you change recipient, subject and text before sending. If you want to start straight with the first reminder, switch the friendly reminder off.
What else it takes off your hands
Late payment interest: your rate or the statutory one
The interest rate comes from your reminder settings or from the statutory late payment rule of the country your business is in.
In detail — Late payment interest: your rate or the statutory one
If that country sets no statutory rate that Zirko can apply reliably — in some countries, for example, for private customers — or the base rate is missing, Zirko calculates no interest and tells you why. If you have phoned or sent a reminder on paper, you just record the level — nothing is sent then.
The automatic run reminds, but not blindly
Switch it on and Zirko checks the overdue invoices every morning and sends the next level due by email; the dry run shows beforehand what would happen.
In detail — The automatic run reminds, but not blindly
A part payment stops the automatic run and puts the case in front of you, and so does a reminder where it stayed unclear whether it arrived.
What Zirko cannot see
Zirko does not import payments from your bank account: whether something has been paid, you record on the document — a paid invoice without that note gets a reminder. And once the last level is reached, the next step leads out of Zirko, to court proceedings or a debt collection agency. No software takes that off your hands.
Tax, trades and guides — Malta
This page exists in its own version for every country. Tax rates and trade names come from the same tables the app works with.
Tax on the invoice
An invoice here carries VAT, at a standard rate of 18%. Zirko ships with the country's rates — you don't enter any yourself.
- Net
- €10,000.00
- VAT 18%
- €1,800.00
- Gross
- €11,800.00
For Malta we are not aware of any general obligation to issue electronic invoices.
What the trades are called here
How businesses in this country name their own trade — where there is a page for it, the name leads there.
- Turnkey Contractor
- Building Contractor
- Finishing Contractor
- Waterproofing Contractor
- Screed and Tile Contractor
- Electrician
- Carpenter & Joiner
- Tile Layer
- Handyman
- Landscaping Contractor
- Painting Contractor
- Aluminium Works
- Plasterer
- Plumber
- Gypsum Works
From the guides for this country
- The BCA contractor licence in Malta: three activities, two years
- Debt collection in Malta: interest, costs and the judicial letter
- Article 11 VAT in Malta, or Article 10: which is cheaper
- VAT book Malta: what a fiscal receipt is and how to order one
- VAT number and VAT certificate in Malta: what each is for
- Eighteen per cent, every time: VAT on building work in Malta
Frequently asked questions
How many reminder levels can I set up?
After the friendly reminder, up to five reminder levels, each with its own deadline, fee, interest rate and template text. The friendly reminder can be switched off; the chain then starts with the first reminder.
Does Zirko send reminders automatically?
Yes, if you switch it on. Zirko then checks the overdue invoices every morning and sends the next level due by email. A part payment stops the automatic run, and the case comes to you.
How is late payment interest calculated?
From your reminder settings, or from the statutory late payment rule of the country your business is in. If that country sets no statutory rate that Zirko can apply reliably — in some countries, for example, for private customers — or the base rate is missing, Zirko calculates no interest and tells you why.
Can I record a reminder I gave by phone or on paper?
Yes, with “Raise reminder level”. Only the level is recorded and nothing is sent — so no reminder goes out twice.
Does Zirko notice when the customer has paid?
Only if you record the payment on the document. Zirko does not import payments from your bank account; a paid invoice without that note keeps getting reminders.
What else you can get done
Customer management
Several addresses and recipients, a tax number check, import from vCard and CSV — and the invoice format on the customer.More on thisZirko Automation
Eleven fixed rules instead of a model — with a dry run and a log going back thirty days.More on thisUnchangeable documents
Issued is issued: corrections by cancellation invoice or reduction, and no number gets lost.More on this
Before you decide
Hosting
Database and files are held in Frankfurt am Main — including for businesses outside Europe.
How to get started once we launch
No data migration project, no sales call in between: at launch you sign up yourself and get going.
Try the preview
Zirko launches at the end of 2026. Until then you can try an early test version — sign up, confirm your address and you're in straight away. One more email at launch, nothing more.
Available from late 2026